Pre-existing Conditions Explained

Everything you need to know about pre-existing conditions, curable and incurable.

Updated over a week ago

What is a Pre-existing Condition?

Any injury, illness, or irregularity noticed by you or your veterinarian before the end of your waiting period, even if your pet never went to see the vet for it.

This includes conditions that are symptomatic or diagnosed before your policy started and through the waiting periods.

Does Pet Insurance Cover Pre-existing Conditions?

No pet insurance company covers pre-existing conditions; however, pre-existing conditions will never prevent you from obtaining a policy with Embrace because we can still cover anything new or unrelated. Embrace also differentiates between curable and incurable conditions.

Curable vs Incurable Pre-existing Conditions

Embrace is one of the few companies that distinguishes between curable and incurable pre-existing conditions.

Curable Pre-existing Conditions

Conditions that are temporary and are eligible for coverage once your pet is symptom- and treatment-free for 12 consecutive months from the date of the last episode.

Examples of curable pre-existing conditions include:

  • Respiratory Infections

  • Urinary Tract/Bladder Infections

  • Vomiting, Diarrhea, & Other Gastrointestinal Disorders

  • Other Curable Conditions

Incurable Pre-existing Conditions

Conditions that cannot be cured, are reoccurring, or are considered chronic conditions are permanently excluded from coverage if they were symptomatic or diagnosed prior to the end of the waiting periods.

Examples of incurable pre-existing conditions include:

  • Cancer

  • Diabetes

  • Arthritis

  • Allergies

  • Other Chronic Conditions

How to Know if Your Pet has Pre-existing Conditions

You can request a medical history review for your pet after purchasing a policy.

If you have any questions about pre-existing conditions, please contact us.

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